What makes the best dental insurance will vary from one person to another depending on what they wish to get from the cover and the cost of the policy itself. There are a number of different types of dental plans and insurance available on the market today so first we will have a look at how dental insurance and dental plans differ.
Dental insurance is like any other insurance policy you take out, in that you will pay for a policy (yearly or monthly) which covers either partially or in full the cost of various treatments. They will vary from company to company but the principal generally remains the same. A dental plan on the other hand provides discounts on certain treatments in return for a membership fee.
Standard insurance will tend to cover the more common treatments within a dentist and if it covers the type of treatment you expect to have in the future then it may be the best dental insurance for you.
However, in some circumstances the common dental treatment may not be what you’re looking for and instead you need something slightly different. A couple of examples of this, both of which are gaining in popularity year on year are Othodontic insurance and dental implant insurance.
Othodontic insurance covers work which maybe carried out to straighten the teeth. As this is seen by the insurance companies as being a personnel choice, a standard dental insurance policy won’t tend to cover the cost. The most common type of Orthodontic treatment is the fitting of a brace on the teeth to gently push them back into place. Over the last decade or so more and more companies have offered insurance policies to cover this type of work
Dental implant insurance has also become more popular over the last few years as more and more people look to cover this form of costly dental treatment. Having implants involves replacing the root of the tooth which is anchored into the jaw bone. This allows the implant to support either a fixed bridge or a denture.
As you can see which is the best dental insurance available will differ from person to person as the choice out there is so varied. The treatments covered and the cost need to be taken into account when deciding which policy will be best, but also you shouldn’t forget other factors such as full coverage and waiting periods which may need to be adhered to before any claim can be made.